Katherine Lavacca doesnt have any savings and will have to start paying off student loans this summer.

Still, Lavacca said, shes living the dream.

No Interest Til Almost 2027?

a woman sits on a bench overlooking the skyline of Manhattan in New York.

A row of palms near downtown San Jose, Calif., in the heart of Silicon Valley. DenisTangneyJr/Getty Images

It means a 1 1/2-hour commute most mornings for the 32-year-old.

I think I would describe Oakland as being almost like Brooklyn, she said.

Goodman said she doesnt see the cost of living reaching a plateau anytime soon.

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But she concedes there will eventually be a breaking point for these cities.

Despite how much they pay, its just too expensive to live there.

So, for example, the the No.

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San Jose, California

Local Price Increase:2%

Price Rank:1

2.

San Francisco, California

Price Rank:2

3.

Bridgeport, Connecticut

Local Price Increase:1.8%

Price Rank:5

4.

New York City, New York

Local Price Increase:1.5%

Price Rank:4

5.

Ventura, California

Local Price Increase:1.6%

Price Rank:8

6.

Denver, Colorado

Price Rank:16

7.

Seattle, Washington

Price Rank:12

8.

Honolulu, Hawaii

Local Price Increase:1.2%

Price Rank:3

9.

Boston, Massachusetts

Local Price Increase:1.7%

Price Rank:11

10.

Theyre creating jobs faster than theyre creating housing, said Goodman.

San Francisco being the archetypal example.

But its a problem youre also seeing in dozens of U.S. cities.

In fact, in Boston, its difficult even for those of means to move near the city center.

Thats a high-class problem, Goodman said.

Unfortunately, I dont have a good solution, she said.

Ive thought about it a lot, and I dont have a good solution.

Lavacca, however, misses her beloved hometown grocery store.

In New York, its almost impossible to do that.

Even as a vegan, she can skate by buying in bulk and doing meal prep for the week.

Finally, learn to do cheap stuff by yourself.

Go to do-it-yourself live music shows, which can cost $5 at the door.

Enjoy nature for free.

Alex Mahadevan is a data journalist at The Penny Hoarder.

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